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The Influence of GDP, Third Party Funds, and Non-Performing Loans on Credit Procyclicality Behavior in Government Banks Putri Naisya, Nabila; Herlina Sitorus, Nurbetty
International Journal of Economics, Management and Accounting (IJEMA) Vol. 2 No. 1 (2024): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v2i1.140

Abstract

This research aims to determine the influence of GDP, Third Party Funds, and Non-Performing Loans on credit procyclicality behavior at Government Banks. The method and analytical tools used in this research are panel data regression with the dependent variable, namely Credit, and the independent variables, namely GDP, Third Party Funds, and Non-Performing Loans. The scope of this research is BUMN Banks with a time span of 2017-2022. This research shows that the best model chosen is the Fix Effect Model with the results that GDP, Third Party Funds and Non-Performing Loans have a positive and significant effect on credit distribution, which shows that there is procyclical behavior in government banks.